Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CHYM
HOLDChime Financial, Inc. · Technology · United States · $7.9B · Avg Vol: $128M/d
COMPANY DESCRIPTION
Chime Financial, Inc. is a leading US-based neobank offering a range of mobile-first banking services, including checking accounts, savings accounts, and early access to paychecks, primarily targeting underserved consumers. Its competitive advantage stems from its fee-free model, user-friendly mobile app, and innovative features designed to promote financial health for everyday Americans. Chime is a significant disruptor in the traditional banking sector, rapidly gaining market share among younger and digitally native demographics.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.0B | 1.3B | 1.7B | 2.2B | 29.4% | 2.3B | 2.7B | 3.2B | 21.0% |
| EPS | -1.41 | -0.60 | -0.07 | -4.27 | — | -4.07 | — | — | — |
| Shares | 364.4M | 364.4M | 364.4M | 379.9M | +4.3% | 348.9M | — | — | — |
| Debt | 100.8M | 104.9M | 96.3M | 134.7M | 10.1% | 132.7M | — | — | — |
| Equity | 1.1B | 936.5M | 959.5M | 1.4B | 8.4% | — | — | — | — |
| Op CF | -434.1M | -156.6M | 64.1M | 52.8M | -17.7% | 166.0M | — | — | — |
| Inv CF | 150.5M | 167.0M | 45.7M | -289.7M | — | — | — | — | — |
| Fin CF | 1.0M | 0.8M | 0.5M | 367.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of CHYM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CHYM | Chime Financial, Inc.(you) | $7.9B | 64 | HOLD |
| BSY | Bentley Systems, Incorporated | $9.5B | 60 | HOLD |
| MANH | Manhattan Associates, Inc. | $9.0B | 69 | BUY |
| APPF | AppFolio, Inc. | $5.8B | 66 | BUY |
| CVLT | Commvault Systems, Inc. | $5.9B | 60 | HOLD |
| DOCU.MX | DocuSign, Inc. | $8.5B | 75 | BUY |
| LYFT | Lyft, Inc. | $5.4B | 69 | BUY |
| DT | Dynatrace, Inc. | $12.1B | 68 | BUY |
| DUOL | Duolingo, Inc. | $5.7B | 56 | HOLD |
| IDCC | InterDigital, Inc. | $6.7B | 75 | BUY |
Peer medians: ROE 7.6% · P/E 37.2x · Gross margin 53.1%